上新！个人养老金理财产品扩容

Group 1 - The core viewpoint of the article is the expansion of personal pension financial products in China, with the total number reaching 37 after the addition of two new products by China Post Wealth Management [1][2] - The newly launched products are designed with holding periods of 18 months and 2 years, both classified as level two risk (medium-low), focusing on low volatility and stable returns [2][4] - The investment strategy for these products includes at least 80% allocation to low-risk fixed income assets and up to 20% in equities, aiming to reduce volatility and enhance investor experience [2][6] Group 2 - As of August 2025, the scale of personal pension financial products from China Post Wealth Management is expected to exceed 20 billion yuan, with nearly 400,000 investors involved [4][5] - The average annualized net value growth rate for personal pension financial products is reported at 3.65%, with a total average net value growth rate of 7.51% since inception for the existing products [5][6] - The overall investment focus of personal pension financial products is on bond assets, which have yielded good returns, while also incorporating a certain proportion of equity assets for long-term stable income [6]